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Allowance for Credit and Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Receivables [Abstract] |
Allowance for Credit Losses | The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the twelve months ended December 31, 2020.
| Twelve Months Ended December 31, 2020
| Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Impact of adopting ASC 326 | 13,618 |  |  | 4,048 |  |  | — |  |  | 4,911 |  |  | 22,577 |
Provision for credit losses on loans | 19,198 |  |  | (184) |  |  | 190 |  |  | 1,547 |  |  | 20,751 |
PCD loans charge–offs | (2,105) |  |  | — |  |  | — |  |  | — |  |  | (2,105) |
Charge–offs | (653) |  |  | (204) |  |  | — |  |  | (2,169) |  |  | (3,026) |
Recoveries | 156 |  |  | 37 |  |  | — |  |  | 970 |  |  | 1,163 |
Balance, end of period | $ | 42,210 |  |  | $ | 4,620 |  |  | $ | 1,267 |  |  | $ | 8,930 |  |  | $ | 57,027 |
Allowance For Loan Losses | The actual allowance for loan loss activity is provided below.
| Years Ended December 31
| 2019 |  | 2018
Balance at beginning of the period | $ | 17,820 |  |  | $ | 16,394 |
Loans charged–off: |  |  |
Commercial |  |  |
Owner occupied real estate | 41 |  |  | 109 |
Non–owner occupied real estate | 64 |  |  | — |
Residential spec homes | 3 |  |  | — |
Development & spec land | — |  |  | — |
Commercial and industrial | 755 |  |  | 364 |
Total commercial | 863 |  |  | 473 |
Real estate |  |  |
Residential mortgage | 93 |  |  | 76 |
Residential construction | — |  |  | — |
Mortgage warehouse | — |  |  | — |
Total real estate | 93 |  |  | 76 |
Consumer |  |  |
Direct installment | 208 |  |  | 154 |
Indirect installment | 1,785 |  |  | 1,673 |
Home equity | 319 |  |  | 176 |
Total consumer | 2,312 |  |  | 2,003 |
Total loans charged–off | 3,268 |  |  | 2,552 |
Recoveries of loans previously charged–off: |  |  |
Commercial |  |  |
Owner occupied real estate | — |  |  | 55 |
Non–owner occupied real estate | 15 |  |  | 33 |
Residential spec homes | 5 |  |  | 8 |
Development & spec land | — |  |  | — |
Commercial and industrial | 179 |  |  | 80 |
Total commercial | 199 |  |  | 176 |
Real estate |  |  |
Residential mortgage | 46 |  |  | 27 |
Residential construction | — |  |  | — |
Mortgage warehouse | — |  |  | — |
Total real estate | 46 |  |  | 27 |
Consumer |  |  |
Direct installment | 97 |  |  | 53 |
Indirect installment | 661 |  |  | 505 |
Home equity | 136 |  |  | 311 |
Total consumer | 894 |  |  | 869 |
Total loan recoveries | 1,139 |  |  | 1,072 |
Net loans charged–off | 2,129 |  |  | 1,480 |
Provision charged to operating expense |  |  |
Commercial | 2,165 |  |  | 1,699 |
Real estate | (635) |  |  | (487) |
Consumer | 446 |  |  | 1,694 |
Total provision charged to operating expense | 1,976 |  |  | 2,906 |
Balance at the end of the period | $ | 17,667 |  |  | 17,820 |
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment | The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, and based on impairment analysis as of December 31, 2019 :
| December 31, 2019
| Commercial |  | Real Estate |  | Mortgage Warehousing |  | Consumer |  | Total
Allowance For Loan Losses |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 541 |
Collectively evaluated for impairment | 11,455 |  |  | 923 |  |  | 1,077 |  |  | 3,671 |  |  | 17,126 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending allowance balance | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,347 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,347 |
Collectively evaluated for impairment | 2,040,299 |  |  | 770,705 |  |  | 150,293 |  |  | 665,952 |  |  | 3,627,249 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending loans balance | $ | 2,047,646 |  |  | $ | 770,705 |  |  | $ | 150,293 |  |  | $ | 665,952 |  |  | $ | 3,634,596 |
The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, and based on impairment analysis as of December 31, 2019 :
| December 31, 2019
| Commercial |  | Real Estate |  | Mortgage Warehousing |  | Consumer |  | Total
Allowance For Loan Losses |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 541 |
Collectively evaluated for impairment | 11,455 |  |  | 923 |  |  | 1,077 |  |  | 3,671 |  |  | 17,126 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending allowance balance | $ | 11,996 |  |  | $ | 923 |  |  | $ | 1,077 |  |  | $ | 3,671 |  |  | $ | 17,667 |
Loans: |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,347 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,347 |
Collectively evaluated for impairment | 2,040,299 |  |  | 770,705 |  |  | 150,293 |  |  | 665,952 |  |  | 3,627,249 |
Loans acquired with deteriorated credit quality | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending loans balance | $ | 2,047,646 |  |  | $ | 770,705 |  |  | $ | 150,293 |  |  | $ | 665,952 |  |  | $ | 3,634,596 |

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